:
If you are over 21 and employed full time 12/18 months without a cosigned and have $500 in a savings account, you should be able to convert it into a secured credit card from a bank. Make sure they belong to the credit bureau and use it for small items and pay the balance the following month. In 12 months you'll have a fair score, (620/659) and in 24, a good score (660/749) and in 36+, an excellent score of (750/840).